Where should I keep my emergency fund?

In a high-yield savings account (HYSA) — liquid enough to access immediately, but separate enough that you won't spend it casually. Look for accounts offering 4-5% APY.

What counts as a monthly expense?

Include essentials only: rent/mortgage, utilities, groceries, insurance, minimum debt payments, and transportation. Exclude entertainment, dining out, and other discretionary spending.

How long does it take to build an emergency fund?

If you save $500/month and need $21,000 (6 months of $3,500 expenses), it takes about 3.5 years. Start with a mini goal of $1,000 for small emergencies, then build to 3 months, then 6 months. Automate transfers to make it painless.

緊急資金計算ツール

月間支出に基づいて必要な緊急資金を計算します。

月間必須支出

雇用安定性

扶養家族数

推奨緊急資金

$14,000.00

カバー月数4 ヶ月

月間支出$3,500.00

最低（3ヶ月）$10,500.00

最大（8ヶ月）$28,000.00

3 months (minimum)

6 months

Your target

3 months (min)11K

6 months21K

Your target14K

Based on your job stability and 0 dependents, aim for 4 months of expenses ($14,000.00) in an accessible savings account.

もしもシミュレーション

扶養家族数$14,000.00

Keep your emergency fund in a high-yield savings account — right now that's 4–5%, not the 0.01% of a checking account.

Try next

Savings Goal Calculator

Calculate how long it takes to build this fund at your current savings rate

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この計算ツールについて

ファイナンシャルの専門家は、生活費の3〜6ヶ月分をすぐに引き出せる緊急資金として確保することを勧めています。このツールは雇用の安定性や状況に応じて最適な金額を算出します。

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よくある質問

緊急資金はどこに保管すべきですか？

普通預金や高金利の定期預金など、すぐに引き出せる口座が理想です。日常の口座とは分けて管理しましょう。

月間支出には何を含めますか？

必須支出のみ：家賃・住宅ローン・光熱費・食費・保険・ローン最低返済額・交通費。娯楽や裁量的支出は除きます。

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